Gavop shows you how to buy homeowners insurance in Hastings, MI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $41,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $75,000 | $70,000 | $50,000-$75,000 |
| 3 Bedroom | $106,500 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $210,000 | $180,000 | $200,000-$250,000 |
| 5 Bedroom | $168,500 | $140,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$125 | $533 |
| Superior Protection Discount | -$66 | $592 |
| Fire & Security Discount | -$72 | $585 |
| Hail Resistant Roof Discount | -$20 | $638 |
| Newly Constructed Home Discount | -$138 | $519 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,464 |
| Hail Damage | $4,618 |
| Wind Damage | $6,051 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $16,553 |
| Home Insurance Company Hastings, MI | Homeowners Insurance Agency Hastings, MI | Address | Popularity Score | Distance from Hastings (miles) |
|---|---|---|---|---|
| State Farm | Zachary Sabin | 4750 Central Park Dr Ste D, Okemos, MI, 48864-1968 | 45.0 | |
| Liberty Mutual Independent | Whitaker-Lachance | 2176 E Centre Ave, Portage, MI, 49002 | 34.1 | |
| State Farm | Jim Hanlin | 806 Coolidge Rd, East Lansing, MI, 48823-2413 | 40.5 | |
| Farmers | Troy Dalman | 128 W Mill St, Hastings, MI, 49058 | 0.0 | |
| State Farm | Dan Chilla | 424 Western Ave Ste B, Allegan, MI, 49010-1086 | 30.6 | |
| State Farm | Dan Demartin | 2515 E Jolly Rd, Lansing, MI, 48910-8544 | 39.4 | |
| Travelers | Thum Insurance Agency | 3140 3 Mile Rd Ne , Grand Rapids, MI, 49525 | 29.4 | |
| Allstate | Melissa Kleinert | 531 N Grand St # B, Schoolcraft, MI, 49087 | 40.7 | |
| Farmers | Greg White | 120 Detroit St, Lansing, MI, 48912 | 39.9 | |
| State Farm | Michael Mitchell | 1268 E Grand River Rd Ste 2, Williamston, MI, 48895-8300 | 49.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $530 | $1,090 | $560 |
| Barry County, MI | $146,300 | $765 | $530 | $1,090 | $560 |
| Hastings, MI | $92,000 | $658 | $450 | $930 | $480 |
| Kalamo, MI | $159,100 | $806 | $540 | $1,100 | $560 |
| Level Park-Oak Park, MI | $99,700 | $720 | $520 | $1,000 | $480 |
| Oshtemo charter, MI | $185,700 | $706 | $520 | $980 | $460 |
| Allendale charter, MI | $175,700 | $695 | $470 | $980 | $510 |
| Allendale, MI | $172,700 | $691 | $490 | $970 | $480 |
| Sidney, MI | $119,000 | $750 | $510 | $1,040 | $530 |
| Evergreen, MI | $96,300 | $715 | $480 | $980 | $500 |
| Beechwood, MI | $140,000 | $780 | $560 | $1,120 | $560 |
| Bath, MI | $156,300 | $802 | $580 | $1,140 | $560 |